How can I file a chargeback or get a refund for a UPI payment in India?

If you made a UPI payment and need a refund (due to failed transaction), you can follow these steps:

? Step-by-step Process:

1. Check the UPI App:

   Go to your UPI app → Transaction History → Select the transaction → Tap “Raise Dispute” or “Report a Problem.”

2. Wait for Initial Resolution:

   Allow 2–3 business days for the app to see if it reflects your refund automatically.

3. Escalate to Your Bank (if unresolved):

   Visit your bank branch or call customer care. Provide:

   • UTR number / Transaction ID

   • UPI ID and Date of Transaction

   • Screenshots of transaction and issue

   • Reason for refund/chargeback

4. Ask Bank to Initiate Chargeback:

   The bank will raise the issue with NPCI for reversal.

5. Final Escalation (if needed):

   If no resolution within 7–10 working days, file a complaint with:

   • NPCI Dispute Portal

   • RBI Ombudsman

⏱ Processing Time: Usually 7–15 working days

✅ Success Rate: High if you follow the steps and provide proper proof to the bank and NPCI portal.